D.V.P. EURO - CONSTRUCT
ActiveSummary
The annual accounts of D.V.P. EURO - CONSTRUCT for fiscal year 2025 show a net loss of 52% of total assets. The 2025 annual accounts show equity of €53k and a net result of €-33k. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 7453 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+5
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 6.53 against 2.07 in 2024; short-term debt: 14.5% and cash: 9.3% of total assets), and 14.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.5%
Return on assets
-52.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-33k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
21 d late
2023
19 d early
2022
11 d late
2021
19 d late
2020
89 d late
2019
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-33k▼ 6.9%
2024 · €-31k
2018: €-20k
2019: €-168
2020: €-36k
2021: €15k
2022: €9k
2023: €-20k
2024: €-31k
2018 → 2025
Working capital
€50k▲ 9.7%
2024 · €46k
2018: €146k
2019: €151k
2020: €163k
2021: €125k
2022: €121k
2023: €110k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€143k-€152k▲ 6.5%€132k▼ 13.4%€101k▼ 23.2%€53k▼ 47.2%
Operating result€28k-€23k▼ 15.5%€-21k€-28k▼ 31.4%€-30k▼ 7.2%
Net result€15k-€9k▼ 37.0%€-20k€-31k▼ 49.6%€-33k▼ 6.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2025 against €28k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€3k ▼ 94.2%
Current assets
€59k ▼ 33.1%
Equity and liabilities €62k
Equity
€53k ▼ 47.2%
Debt
€9k ▼ 78.8%
Debt's share of the balance-sheet total falls from 29.7% to 14.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-29k▼
2024 · €-22k
Cash flow
€-32k▼
2024 · €-25k
Current ratio
6.53▲
2024 · 2.07
Quick ratio
6.42▲
2024 · 2.05
Debt to equity
0.17▼
2024 · 0.42
ROE
-61.4%▼
2024 · -30.3%
ROA
-52.4%▼
2024 · -21.3%
Interest coverage
-7.93▲
2024 · -9.51
Debt ≤ 1 year
€9k▼
2024 · €43k
Staff costs
€59k▼
2024 · €84k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€144k€62k▼
Fixed assets21/28€55k€3k▼
Tangible fixed assets22/27€54k€2k▼
Land and buildings22€45k-
Plant, machinery and equipment23€1k-
Furniture and vehicles24€8k€2k▼
Financial fixed assets28€890€890=
Current assets29/58€88k€59k▼
Amounts receivable after more than one year29€54k€12k▼
Other amounts receivable291€54k€12k▼
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€26k€40k▲
Trade receivables40€17k€33k▲
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€3k€6k▲
Deferred charges and accrued income490/1€5k€321▼
Equity and liabilities
Total equity and liabilities10/49€144k€62k▼
Equity10/15€101k€53k▼
Contributions10/11€26k€11k▼
Reserves13€122k€122k=
Distributable reserves133€122k€122k=
Profit (loss) carried forward14€-47k€-80k▼
Amounts payable17/49€43k€9k▼
Amounts payable within one year42/48€43k€9k▼
Current portion of amounts payable after more than one year42-€337
Financial debts43€22k-
Credit institutions430/8€22k-
Trade debts44€16k€5k▼
Suppliers440/4€16k€5k▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€1k€3k▲
Remuneration and social security454/9€2k€75▼
Other amounts payable47/48€62-
Income statement
Code20242025
Remuneration, social security and pensions62€84k€59k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€763▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€10k
Gross operating margin9900€64k€43k▼
Operating profit (loss)9901€-28k€-30k▼
Financial income75/76B€842€615▼
Recurring financial income75€842€615▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€-29k€-33k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€-31k€-33k▼
Profit (loss) for the period to be appropriated9905€-31k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-80k▼
Profit (loss) brought forward from the previous period14P€-17k€-47k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 6.53
Current ratio from 2.07 to 6.53; short-term debt falls from €43k to €9k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲6.5%
2 profitable years in a row build equity to €152k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after 3 loss-making years.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 1999
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Frison Auguste 246040 Charleroi1 establishment unit
D.V.P. EURO - CONSTRUCT
since 19992.090.737.901
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,129 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1999
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:dvpeuro@voo.be
Phone:071/375559
Fax:071/375559